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  • Janakalyan Sahakari Bank Personal Loan

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  • Janakalyan Sahakari Bank offers a multi-purpose personal loan to both salaried and self-employed individuals at an interest rate of 16% p.a.

    • Loan Amount: Up to Rs.5 lakh
    • Loan Tenure: Up to 60 months
    • Security Required: Nil up to Rs.50,000

    Features and Benefits

    • Rate of Interest: The most attractive part of this personal loan is its rate of interest which is fixed at 16%. This loan can help you repay more expensive loans which are burning a hole in your pocket every month.
    • Loan Amount: Individuals can take a loan for upto Rs.5 lakhs.
    • Security: No security required for up to Rs. 50,000 borrowed. If the loaned amount is over Rs. 50,000, 5% of the loan amount in the form of Fixed Deposit/National Saving Certificate/ LIC/ Kisan Vikas Patra will be required as security.
    • Repayment Time Period: The loan repayment can be up to 60 months.

    Purpose of the loan

    This is a multi-purpose loan which could have any purpose, including Finance for medical expenses, purchase of consumer durables, Travel expenses and even repayment of high cost loans.

    Eligibility Criteria

    The basic eligibility requirements for this loan Janakalyan Sahakari Bank Personal Loan(JanAdhar Personal Loan) is income based. It requires the individual 10 times of Net Pay, subject to minimum take home salary of Rs. 7500/- per month. or 25% of Gross Income, whichever is higher.

    Documents Required

    These are the following documents that you will require application. Make sure that you have them ready in the form of scans if you are applying online:

    • Loan Application Form in prescribed format.
    • One passport size photograph(KYC Documents).
    • Address Proof
    • Identity Proof
    • Salary/Income details
    • Net worth forms
    • Other documents that may be required by the Bank.

    About the Bank

    The bank is said to have transparent operations, personalised services and professional administration, coupled with social commitment and believe that is their hallmark of the Bank. They have truly shown steady growth over the past four decades and is currently considered as one of the leading Co-operative Banks in Maharashtra based on a business mix. The Bank was conferred the coveted Scheduled status on 30th January, 1998. This bank has a shareholder base of over 55,000, depositors of over 3,60,000 and borrowers of over 12,500 according their website which is an impressive statistics. They also have great products for borrowers in the form of personal loans. One of them is the Janakalyan Sahakari Bank Personal Loan(JanAdhar Personal Loan).


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    Janakalyan Sahakari Bank Personal Loan Reviews

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